Not all disabling conditions are treated equally by insurance companies. Many disability insurance policies contain limitations to the benefits offered to those with mental and nervous disorders such as depression, anxiety, panic attacks and post-traumatic stress disorder (PTSD). While these are medically recognized disorders, insurance companies often limit these benefits to 24 months.
If you suffer from a mental or nervous disorder and want to know how your insurance policy addresses the condition, we can help. At DarrasLaw, America’s top disability firm, we have more than 100 years of experience helping people with disabilities of all types. Our services do not come with limitations. Let us provide a free analysis of your policy and your situation.
Two-Year Limits Are Common
While individual disability insurance policies may cover mental and nervous disabilities, they commonly only cover them for a limited period of time. Two-year limits are common in these cases. In other words, the insurance company will only pay a maximum of 24 months for a mental and nervous condition.
What can you do? The first step you should take is to enlist an experienced disability lawyer who understands these matters. With us on your side, you can be confident that we will carefully analyze your policy to understand what it means and what you are entitled to. We will help you get the benefits you need as soon as possible and for as long as possible.